World Acceptance Corporation (WRLD) — Stock Score Summary

World Acceptance Corporation (WRLD) has a MoatMap StockRank of 57/100 based on Quality (57/100), Value (28/100), and Momentum (58/100) factor scores. The current signal is HOLD. World Acceptance Corp is a subprime consumer finance company. It faces structural regulatory headwinds, high credit risk, and lacks the quality metrics or pricing power required for our concentrated book.

World Acceptance Corporation provides short-term small installment loans and related credit insurance products to individuals in the subprime credit market. Its competitive moat is derived from specialized underwriting capabilities and a vast network of physical branches that facilitate personalized customer relationships in a niche financial segment. The company serves a demographic often underserved by traditional lenders, focusing on responsible lending practices within its regulated environment.

Key Financial Metrics

Price$169.50
Market Cap$727M
P/E (TTM)24.07
P/E (Forward)11.88
Price/Book2.27
Return on Equity8.8%
Debt/Equity186.82
Gross Margin67.8%
Operating Margin33.4%
Revenue Growth7.5%

World Acceptance Corporation operates in the Credit Services industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is World Acceptance Corporation’s (WRLD) StockRank?
MoatMap’s StockRank for World Acceptance Corporation (WRLD) is 57/100, with a Hold signal. It is a composite of Quality (57), Value (28), and Momentum (58) factor ranks across MoatMap’s 19,000+ stock universe.
Does World Acceptance Corporation have an economic moat?
World Acceptance Corporation (WRLD) has a Quality factor score of 57/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is World Acceptance Corporation a buy, hold, or sell?
MoatMap’s current signal for World Acceptance Corporation (WRLD) is Hold, based on a StockRank of 57/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is World Acceptance Corporation in?
World Acceptance Corporation (WRLD) operates in the Financial Services sector, specifically the Credit Services industry (United States).
Browse all ranked stocksWRLD deep dive reportAI ChampionsHow we score stocksSense-check another stock